| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES INC | 1581 E RACINE AVE WAUKESHA, WI 53186 | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CORP - HEALTH | $31K | — | $31K | 4.34% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES INC | 1581 E RACINE AVE WAUKESHA, WI 53186 | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CORP - HEALTH | $5K | — | $5K | 0.71% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES INC | 1581 E RACINE AVE WAUKESHA, WI 53186 | HUMANA INSURANCE COMPANY - DENTAL | $5K | — | $5K | 10.88% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES | 1518 E RACINE WAUKESHA, WI 53187 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 12.75% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES INC | 1581 E RACINE AVE WAUKESHA, WI 53186 | HUMANA INSURANCE COMPANY - VISION | $1K | — | $1K | 10.84% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CORP - HEALTH | 110 | $721K |
| Dental | HUMANA INSURANCE COMPANY - DENTAL | 106 | $45K |
| Vision | HUMANA INSURANCE COMPANY - VISION | 81 | $11K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 230 | $37K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 230 | $37K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 230 | $37K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 230 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.